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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Tuesday, August 19, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6% (APR=6.029%)
Points/ Credits$1,008
Payment$1,919
Save $54,996 over 30 years

Wells Fargo

Rate6.625% (APR=6.767%)
Points/ Credits$9,204
Payment$2,049
Save $0 over 30 years

Assumptions: Purchase price: $400,000. Loan amount: $320,000. ZIP code: 77072, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Chase

Rates as of Tuesday, August 19, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.185%)
Points/ Credits$846
Payment$2,167
Save $17,465 over 30 years

Chase

Rate6.49% (APR=6.582%)
Points/ Credits$2,853
Payment$2,210
Save $0 over 30 years

Assumptions: Purchase price: $420,000. Loan amount: $350,000. ZIP code: 77072, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Citibank

Rates as of Tuesday, August 19, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.898%)
Points/ Credits$375
Payment$887
Save $18,390 over 30 years

Citibank

Rate6.375% (APR=6.59%)
Points/ Credits$1,125
Payment$936
Save $0 over 30 years

Assumptions: Purchase price: $200,000. Loan amount: $150,000. ZIP code: 90001, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Bank of America

Rates as of Tuesday, August 19, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.904%)
Points/ Credits$617
Payment$1,183
Save $30,269 over 30 years

Bank of America

Rate6.5% (APR=6.727%)
Points/ Credits$1,726
Payment$1,264
Save $0 over 30 years

Assumptions: Purchase price: $250,000. Loan amount: $200,000. ZIP code: 95464, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Guaranteed Rate

Rates as of Tuesday, August 19, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.127%)
Points/ Credits$70
Payment$2,127
Save $13,818 over 30 years

Guaranteed Rate

Rate6.25% (APR=6.627%)
Points/ Credits$3,808
Payment$2,155
Save $0 over 30 years

Assumptions: Purchase price: $437,500. Loan amount: $350,000. ZIP code: 60666, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Better.com

Rates as of Tuesday, August 19, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.904%)
Points/ Credits$493
Payment$946
Save $21,427 over 30 years

Better.com

Rate6.375% (APR=6.544%)
Points/ Credits$3,200
Payment$998
Save $0 over 30 years

Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit: 760+. Single Family Residence. Primary Residence. 30-day lock

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